Anonymous

06 Aug 2019

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20 year time horizon Insurance company endowment plan VS 20 year time horizon RSS DCA ETF, which is better? Which one has higher returns in the long run?

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Jonathan Chia Guangrong

06 Aug 2019

SOC at Local FI

Etf for sure. The endowment gives a return of about 3% - 5% at most, whereas an Etf like the STI returns about 7-8%. Plus you don't need to pay high commission for the Etf

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Nicholes Wong

03 Mar 2019

Diploma in Business Management at Nanyang Polytechnic

Definitely the ETF is better just that it will be more volatile in the short run.

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What the difference between perpetual endowment and saving plan? Which one give better return? Which one is better for risk adverse at the age of 20, planning to contribute monthly/yearly and take out around 55 to 60?

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